Investing always involves risks. You could lose your invested money.

Portfolios for every investor

Ready-made ETF portfolios built by investing experts.

Invest in readymade diversified ETF portfolios with the Peaks app

A tried and true method

Invest in curated portfolios of diversified ETFs with lower risk and higher long-term returns than active trading. (Morningstar)

Ready-made portfolios

Composed of carefully selected ETFs to represent a variety of risk levels. Choose one you’re comfortable with and begin!

Dash of crypto, pinch of gold

See opportunities in specific investments? Build your own custom portfolio of ETFs and/or ETPs.

Explore custom portfolios

Strike a balance

Over time, your portfolio may become skewed, changing your risk level. But don't worry: enable ‘automatic rebalancing’ to keep your portfolio balanced.

Common questions about Peaks ETF portfolios

A portfolio is an investment profile you choose when using the Peaks app. We've created four portfolios: Cautious, Balanced, Ambitious, Adventurous.

Each portfolio consists of a different composition of index funds. The index funds in the Cautious portfolio consist mostly of bonds, while in the Adventurous portfolio they consist mostly of equities.

This means that each portfolio contains a different risk and expected return. The risk you take with Cautious is much lower than with Adventurous. On the other hand, the expected return is much lower.

When you invest with Peaks, you choose the portfolio that suits you best.

Each portfolio invests in equities and bonds through ETFs.

Stocks are known as being risky as they can fluctuate in value quite a lot, but tend to yield more in the long run than bonds.

Bonds are more stable. You take less risk, but usually receive lower returns than stocks over the long term. In each of the four portfolios offered by Peaks, the split between equities and bonds is different.

The least risky, Cautious, consists of 70% bonds and 30% equities. The riskiest, Adventurous, consists of 10% bonds and 90% equities.

The results in a negative, neutral and positive stock market scenario are based on the expected returns and risks of the portfolios for the next 10 to 15 years.

The expected results in the portfolios are meant to give you an impression of what you can potentially achieve with the portfolios in different scenarios and are by no means guarantees.

In reality, the results will differ from those shown and may be better or worse than the positive and negative scenarios in exceptional situations.

From the results, the costs you pay for Peaks still need to be deducted. The costs you pay to the index fund providers have already been settled.

It is up to you to decide which portfolio and associated risk best suits you, your personal preferences and financial situation.

We don't give any advice on how best to invest. This is because Peaks is not an investment advisor or asset manager, but only executes your investment orders for you. However, we are happy to give you the information you need to make an informed decision about the different portfolios.

No, the term listed with each portfolio is a guideline.

In general, if you are investing for the short term, it is better not to take too much risk. If you're investing your money for the longer term - let's say for ten years - then a portfolio with more risk could earn you more.

The terms in each portfolio are not binding. You are free to choose your own term. You can withdraw your money free of charge at any time, even if you initially wanted to invest your money for a longer period. Just bear in mind that you'll have to deal with the price at the time. This may be lower than when you started, forcing you to sell your investments at a loss.

Yes, if you prefer a different portfolio, go to the menu in the app.

Then click on ‘Change portfolio’. If you have several accounts, you can invest in a different portfolio with each account.If you switch portfolios on a weekday before 13:00 and no other transactions are in progress, your portfolio will be adjusted the same day.

Have you got ongoing transactions? Then they'll be processed before your portfolio is adjusted.